The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$12,482
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,870
−HK$395/mo
Today · 4.125%
HK$13,265
baseline
▲ 0.50% · 4.625%
HK$14,072
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,530/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,886
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,259
−HK$377/mo
Today · 4.125%
HK$14,636
baseline
▲ 0.50% · 4.625%
HK$15,408
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,272/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,979
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,444
−HK$474/mo
Today · 4.125%
HK$15,918
baseline
▲ 0.50% · 4.625%
HK$16,886
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,836/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,663
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,110
−HK$454/mo
Today · 4.125%
HK$17,564
baseline
▲ 0.50% · 4.625%
HK$18,490
+HK$926/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,128/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,475
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,019
−HK$552/mo
Today · 4.125%
HK$18,571
baseline
▲ 0.50% · 4.625%
HK$19,701
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,142/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,441
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,962
−HK$529/mo
Today · 4.125%
HK$20,491
baseline
▲ 0.50% · 4.625%
HK$21,571
+HK$1,080/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,982/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,468
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,167
−HK$710/mo
Today · 4.125%
HK$23,877
baseline
▲ 0.50% · 4.625%
HK$25,330
+HK$1,453/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$47,754/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,995
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,666
−HK$680/mo
Today · 4.125%
HK$26,346
baseline
▲ 0.50% · 4.625%
HK$27,734
+HK$1,388/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$52,692/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,165 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).